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ABOUT OPTIMA RESTORE PLAN FROM APOLLO MUNICH HEALTH INSURANCE



Apollo Munich the stand alone health insurance company has most of the time been a trend setter in coming up with new variants under Health Insurance, they were the first to introduce to the public at large a unique plan of its time The Optima Restore.

Change is a way of Life so also there are changes been incorporated in this policy …..

  • STAY ACTIVE FEATURE Now taking into the consideration of varied Stress Levels and work pressures the company has introduced a STAY ACTIVE FEATURE in the policy which not only helps you keep yourself active but also rewards you with a premium discount on renewal. The more active you are the less you pay subject to conditions mentioned in the policy.
  • Air Ambulance charges payable up to Rs 250000/- only for Sum Insured Rs.10, 00,000 & above subject to conditions mentioned in the policy.
  • Provision for Health Check Up annually for sum insured Rs. 10, 00,000 & for lesser sum insured refer policy document. The respective reimbursements are mentioned in the policy document.
  • E Opinion in case of critical illness
  • The premiums are now based zone wise, it will be based on Delhi, Mumbai and other zones… hence the premium will vary according to the locations.


Optima restore is a health insurance plan, available on Individual or Floater Basis. The plan has varied sum insured options.

As the Name suggests RESTORE it is plan where in the sum insured gets restored in case one totally exhausts the original sum insured along with the cumulative bonus. Sure it sounds too good to be true
Here is how it works: If you use up your coverage in an individual policy and fall ill with another illness, the policy will restore the entire sum insured for you to use, at no extra charge.
The Provision for Restoring the Sum Insured will trigger off provided the original Sum Insured and Cumulative Bonus are exhausted & when there is another illness/another hospitalization in the same year, which shouldn’t be co related to the original hospitalization.

The Other Unique Factor the multiplier benefit introduced was in case of no claim during the year the subsequent year the Cumulative Bonus would be given at 50% of the sum insured, & further on in the next subsequent it will be again given at 50%. Thereby totaling up to 100% of sum insured as bonus in the following years in case of no claim.

For example if the Original Sum Insured Under the policy was Rs.5,00,000/- if there is a no claim in the year the next year the amount under the Cumulative Bonus will be Rs.2,50,000 & further on the next year if again there was no claim in the expiring year the amount reflecting in the cumulative bonus would be Rs.5,00,000. There by the policy on the whole in the later years if no claim was there will be at Rs.5,00,000 original sum insured + cumulative bonus of Rs. 5,00,000/-. So also the bonus will reduce by 50% in the event of a claim post accrual of the bonus. Example the Bonus in the above case will become Rs. 250000 after claim.

The Coverage's 

  • ·         In Patient Hospitalization with NO ROOM RENT SUB LIMITS
  • ·         No Copayment, No claim based loading on premium.
  • ·         PRE HOSPITALIZATION 60 days, POST HOSPITALIZATION BENEFITS 180 DAYS from date of discharge.
  • ·         Day care procedures, Daily cash for choosing shared accommodation subject to conditions mentioned in the policy.
  • ·         Emergency Ambulance upto Rs.2000/-
  • ·         Health Checkup  subject to conditions.
  • ·         Restore benefit as written above.
  • ·         Multiplier benefit under cumulative bonus as written above.
  • ·         STAY ACTIVE FEATURE Now taking into the consideration of varied Stress Levels and work pressures the company has introduced a STAY ACTIVE FEATURE in the policy which not only helps you keep yourself active but also rewards you with a premium discount on renewal.

To buy or not to buy though there are many positive features in the plan, with the stay active feature being the latest feather in the cap it the ultimate decision lies with an individual who has to read, understand, and consult his advisor before buying on the terms and conditions of the policy.


THE REVIEWS GIVEN ARE BASED ON PURELY PERSONAL OBSERVATIONS & DONOT INTEND ANY PROMOTION OR SALE OR INDUCEMENT OF ANY POLICY OR PRODUCT OF ANY INSURANCE CO.KINDLY THEREFORE READ THE POLICY TERMS AND CONDITIONS  BEFORE BUYING THE POLICY.

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